ESSA Bancorp Inc (ESSA) — Cash Flow Quality Index
ESSA Bancorp Inc (ESSA) has a Cash Flow Quality Index of 1.38x as of March 2025. Operating cash flow of $3.76 Million exceeds net income of $2.73 Million, indicating high earnings quality where cash backs reported profits. Explore ESSA Bancorp Inc (ESSA) cash flow to debt to assess how comfortably operating cash covers total debt obligations.
Cash Flow Quality Index
Operating Cash Flow
Net Income
Data as of
ESSA Bancorp Inc Cash Flow Quality Index (2004–2024)
Historical Cash Flow Quality Index for ESSA Bancorp Inc across 20 annual periods. Values consistently above 1.0x indicate high-quality earnings. For the full cash flow conversion analysis, see cash efficiency ratio of ESSA Bancorp Inc.
Annual Cash Flow Quality Index for ESSA Bancorp Inc (2004–2024)
Year-by-year earnings quality comparison for ESSA Bancorp Inc.
| Year | Quality Index | Operating CF (USD) | Net Income | YoY Change |
|---|---|---|---|---|
| 2024 | 0.79x | $13.43 Million | $16.99 Million | ▼ -29.6% |
| 2023 | 1.12x | $20.86 Million | $18.58 Million | ▼ -0.7% |
| 2022 | 1.13x | $22.71 Million | $20.07 Million | ▼ -4.1% |
| 2021 | 1.18x | $19.38 Million | $16.42 Million | ▼ -13.9% |
| 2020 | 1.37x | $19.75 Million | $14.42 Million | ▼ -4.9% |
| 2019 | 1.44x | $18.19 Million | $12.62 Million | ▼ -59.8% |
| 2018 | 3.58x | $23.39 Million | $6.53 Million | ▲ +34.9% |
| 2017 | 2.65x | $19.48 Million | $7.34 Million | ▲ +13.0% |
| 2016 | 2.35x | $18.16 Million | $7.73 Million | ▲ +19.0% |
| 2015 | 1.97x | $19.34 Million | $9.79 Million | ▲ +16.1% |
| 2014 | 1.70x | $14.47 Million | $8.50 Million | ▼ -35.3% |
| 2013 | 2.63x | $23.19 Million | $8.82 Million | ▼ -89.4% |
| 2012 | 24.78x | $5.33 Million | $215.00K | ▲ +1178.7% |
| 2011 | 1.94x | $10.19 Million | $5.26 Million | ▲ +17.9% |
| 2010 | 1.64x | $7.42 Million | $4.51 Million | ▲ +12.7% |
| 2009 | 1.46x | $9.57 Million | $6.56 Million | ▼ -17.1% |
| 2008 | 1.76x | $10.70 Million | $6.08 Million | ▲ +277.0% |
| 2006 | 0.47x | $1.85 Million | $3.95 Million | ▼ -57.8% |
| 2005 | 1.11x | $4.93 Million | $4.45 Million | ▲ +41.4% |
| 2004 | 0.78x | $3.07 Million | $3.92 Million | — |